The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$28,295
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,175
−HK$894/mo
Today · 4.125%
HK$30,069
baseline
▲ 0.50% · 4.625%
HK$31,899
+HK$1,830/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$60,138/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,478
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,322
−HK$857/mo
Today · 4.125%
HK$33,179
baseline
▲ 0.50% · 4.625%
HK$34,928
+HK$1,749/mo
Deposit HK$6.20M · loan HK$6.20M · min. income ≈ HK$66,358/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$465,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,954
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,010
−HK$1,073/mo
Today · 4.125%
HK$36,083
baseline
▲ 0.50% · 4.625%
HK$38,279
+HK$2,196/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$72,166/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,774
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,787
−HK$1,027/mo
Today · 4.125%
HK$39,814
baseline
▲ 0.50% · 4.625%
HK$41,913
+HK$2,099/mo
Deposit HK$4.96M · loan HK$7.45M · min. income ≈ HK$79,628/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$465,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,613
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,845
−HK$1,252/mo
Today · 4.125%
HK$42,097
baseline
▲ 0.50% · 4.625%
HK$44,659
+HK$2,562/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$84,194/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,069
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,251
−HK$1,199/mo
Today · 4.125%
HK$46,450
baseline
▲ 0.50% · 4.625%
HK$48,899
+HK$2,449/mo
Deposit HK$3.72M · loan HK$8.69M · min. income ≈ HK$92,900/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$465,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,931
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,515
−HK$1,610/mo
Today · 4.125%
HK$54,125
baseline
▲ 0.50% · 4.625%
HK$57,418
+HK$3,293/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$108,250/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,661
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,180
−HK$1,542/mo
Today · 4.125%
HK$59,722
baseline
▲ 0.50% · 4.625%
HK$62,870
+HK$3,148/mo
Deposit HK$1.24M · loan HK$11.17M · min. income ≈ HK$119,444/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$465,329 · Scale 2, in force from 26 Feb 2026)